Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Saturday, July 11, 2015

Fluffy tush and how it started

I don't know that I've shared here that I started using cloth diapers for Speedy last year. It started on Ash Wednesday, as part of my Lenten Penance. It need not be abstaining from something. Sometimes, it can mean adding something, especially it has value, merit, or conserves resources, or it increases one's spiritual connection to God. I needed to find a way to save money since the merchandising job went away with the company shuttering shortly after my maternity leave ended, and my Thirty-One business was not yet consistent. I had a literal handful of pocket diapers that a couple friends gave me. I liked them, but didn't have enough of them to make it fully feasible. So, I started out with using cloth while at home, and disposables while we were out of the house. At that time, we were leaving home to go to a lot of places, so it was about a 50/50 split. As we used up the disposable diapers, and I gained confidence in using cloth diapers, I found myself leaving the house without changing the fluff butt to paper butt. Plus, I was growing fond of the cute prints some of my covers have.

Fast forward to this year, and I've scored a couple ninja deals on a couple bundles of second-hand diapers that I have shared with a friend. She expressed interest in trying cloth for her youngest, and got hooked on it, to the point that she decided to start cloth diapering her 3 year old triplets who have shown no interest in using the potty. She bought more diapers, costing as much as 3 months' worth of disposables. The diapers have already paid for themselves, and the family is using that money to pay off debt. I know some people look at me sideways when I tell them that we use cloth diapers. But these are not the ones I had when my 22 year old was born. If I'd had the diapers I have now when he was a baby, all of my kids would have been in cloth. These do not require pinning a moving target. It doesn't mean I touch poop. Besides, if you actually read the instructions on a package of disposable diapers, it tells you to knock solids into the commode. Nobody does that, and there is a lot of unfiltered biohazardous poop in landfills as you read this. I am guilty of putting a share of it there. 

It does mean that we save easily $30+ each month, going on low estimates of using store brand diapers, or the big case of Luvs at BJ's. It does mean that I can't remember the last time we had a poosplosive diaper. It does mean 2 extra loads of laundry a week. Since I don't wash my husband's laundry, or the older kids' stuff, I have room in my repertoire. This goes back to other posts where I explain why I don't do the family laundry, among other oddities my household practices. I can guarantee you that my electric and water bills have not increased $30 each month since we've started cloth diapering. The human ovens in my household playing dial-down-the-AC causes more havoc to the bill than washing 2 loads of diapers a week does. So, if you want to say it's too expensive, your argument is invalid.

Personally, I have spent $95 between the 2 lots I purchased second-hand, and the diapers gifted to me from friends. There are lending programs in many places that loan out diapers for families to try, or to help them avoid having to decide between diapers and something else that is needed. I *might* spend $10 a month in electricity, water, and detergent to wash the diapers, and that is a high estimate. When I am done with the diapers, I can sell them and make back what I have paid for them. You can't resell used disposable diapers. And when we do some math, based on the history of my older kids finally potty training at age three and a half, we're looking at three years of using cloth, which means a savings of $1080, based on a $30 per month expenditure on disposables. Those numbers can be higher if national brands are used and couponing deals not utilized. Even subtracting the cost of laundry, my savings is $720. This is for one child. When I resell the diapers, I am going to recoup the initial investment. So, even if I break even and sell them for what I paid, we're looking at $815 saved on one child. There is a chance I could sell them for more than I paid, but since I'm still using them, we won't know that till later. Again, all of these figures are personal to my household, and if a child can't tolerate store brands and must use a national brand disposable diaper, these numbers will be very different.

Yes, time is money, and my time has value. When you think about it though, the time spent going to the store and arranging the trek around kids, naps, meals, other errands, and payday takes longer than throwing a load of laundry into the machine between other tasks, refereeing kids, and keeping the toddler safe from himself. Plus, I don't have to be publicly presentable to do it. I also do not have to deal with the challenges of taking my very active children to the store to procure the butt covers. Some days it is just not worth leaving the house.

So, all that said, it isn't for everybody. It works for me. It works for a lot of other people. There are just as many brands and types of cloth diapers as there are disposable diapers. Pockets, flats, fitteds, covers, PUL, aplix, velcro, snaps, .... yea, I've been acquiring the language. As I learn more, I will share, including products that I have used and what I think of them. In the meantime, on other social media venues, you can search for the hashtag, #makeclothmainstream so you can see some of the cute fluffbutts that make mamas like me happy to see.



Tuesday, November 13, 2012

More Dave

After devouring a couple of his books, I've been listening to Dave Ramsey podcasts for weeks, in an effort to retrain my brain about how it thinks about money. It's slowly working. I'm trying to reach my husband, to plant seeds of new information in hopes of guiding him to thinking differently about our money. I keep praying for guidance, wisdom and the right words to do this. And then Dave shared this blog link on Twitter. Oh, I see she's met my husband. Except, I try not to go all "Dave Says" at every turn like some well meaning folks do. Devildog hasn't turned the same corner yet, like she did. I have hope he will. It's just a matter of when.

Wednesday, October 17, 2012

Whine, Cheese & Gazelles

I am sitting here at the desk typing on the desktop computer instead of the laptop I really really really liked using. I could go so far as to say I loved it. But, I killed it. It wasn't Dead-Dead. But Geek Squad's computer hospital declared it too expensive to repair, given the multiple issues it had, and opted to replace it instead, under the extended protection plan. I have to pick out a new laptop and I'm not liking my options at this point. I'll suck it up eventually and go get a new computer, but it's going to be a few days longer at least before I do. I need to scrape up the money for the extended protection plan. Eventually, I won't need to opt for such "insurance", because I'll have enough money set aside that a new laptop won't even dent the bank.

But first, I have to replace a bent rim on the mom-bus. I managed to hit the side of the storm drain and jacked up my wheel - again. This is the 3rd rim on the bus to get replaced. I'm thankful it's a plain steel rim and not a fancy alloy rim. It's much cheaper that way. But driving on a donut spare is not cool. We don't have insurance for that kind of thing...just have to suck it up and pay for it.

In the meantime, I am listening to Dave Ramsey podcasts on a daily basis, and tasting the koolaid he serves. I really want and need to make big financial changes to be able to live comfortably in my retirement years, and not work longer because I can only afford dog food for my dinner. I want to be able to tick some things off my bucket list without worrying about how I'm going to pay for them, or eat later after I do them. I grew up being taught that you make do with what you have till you can get something better. My husband did too, but somewhere our wiring didn't get run the same way. His mindset is that he works hard for his paycheck and he deserves to reward himself. And he's not incorrect. He's just going about it in a misguided way, at a cost of long term security. And I don't say that to be hurtful or speak ill of him. I say that because that is indeed a fact of what will happen at the current pace things are going. I will add that he has gotten better about how he thinks of money, versus his thinking way back when we were still kids ourselves.

My husband DOES work hard for his paycheck. And he has made some financial errors in his life (I'm not an angel either). But now that our vehicles are paid off, he's making strides towards a better career, and I just paid off my last credit card, I want more. I want his cards paid off. I want more security towards the long term goals. Dave Ramsey calls it "getting gazelle intense". I feel like I'm the gazelle stretching and warming up for the sprint. From my view of the savannah, my husband is still feasting away, with his guard down, while a lion lurks just out of the periphery - subject to pounce at any second. And that scares me on so many levels.

Hopefully I can reach him through love, and not go anywhere near being hurtful. I'm praying for guidance and wisdom in helping him see where my goal lies and see a bigger picture that spans a longer term.